***Please make sure to set your appointment so that we can update your application. The premium increase from Blue Cross is too high, we can help lower it!***
Remember: The 2020 Open Enrollment period for Individuals purchasing health insurance (outside of an employer) is November 1, 2019 through December 15, 2019
Here are a few things you will need you to have prepared for our phone call appointment:
WHAT IF YOU DON'T QUALIFY FOR A SUBSIDY (TAX CREDIT)?
If you don't have access to employer sponsored insurance and don't qualify for a subsidy, we can discuss a few other options to avoid the high cost of those ACA plans.
Husband / Wife Group Plans
Do you own a business? An LLC? If you and your spouse are named on the Business Paperwork as co-owners, managers or members of the LLC, we can discuss a Group Plan for you.
Humana's Wellness Engagement Incentive (WEI)
Humana’s Wellness Engagement Incentive (WEI) Recognition Program automatically earns premium credits for fully insured and Level Funded Premium (LFP) groups with fewer than 100 employees based on their engagement in Go365®.
Humana's Wellness Premium Discount (WPD)
For fully insured groups with more than 100 employees, they’re automatically eligible for Humana’s Wellness Premium Discount (WPD). Through this discount program, groups can earn up to 8% discounts on their medical renewal rates as more of their employees reach Silver, Gold, or Platinum Status in Go365.
7% premium credit for each Silver employee
Through the WEI, these groups can earn A 7% premium credit for each employee who reaches Silver Status and a 15% premium credit for each employee who reaches Gold Status or higher. This video shows how easy it can be for employees to reach Silver Status in Go365 and start earning premium discounts.
Learn more about Go365
Louisiana Insurance Commissioner Issues Cease and Desist Order to United HealthCare for Intention to Omit Producer Commissions in Louisiana
“In reviewing this situation I found it necessary to order the company to stop all efforts to implement such policy and to revise all applicable schedules of commissions and relevant rate and form filings to appropriately reflect the full commission payment required by law,” Commissioner Donelon stated. “This action is meant to both protect Louisiana’s health insurance producers who are due compensation and preserve our authority in making sure insurers writing in Louisiana are in compliance with our laws.”
The Louisiana Department of Insurance (LDI) was contacted in May by numerous producers who indicated that they had been notified of United’s intention to implement a zero-dollar schedule of commissions applicable to all policies sold to groups of greater than 100 insureds with an effective date on or after September 1, 2019. Accompanying this notification was an inducement to work with United and affected insureds to negotiate a “replacement” agency fee to be paid by the insured to the producer and an offer by United to facilitate this payment.
According to insurancenewsnet.com Health Agents for America President/CEO, Ronnell Nolan said, “It’s really appalling because our members have been fighting to get paid, and that bill is important. Lowering health care costs is what we want for our clients. But our members aren’t getting commissions on the individual market and UnitedHealthcare is not even paying for groups of 50 and above. So how can anybody point the arrow toward our members and say we’re part of the problem? We’re not part of the problem. Agents have been losing money since the passage of the ACA."
Maximum Annual Income to Receive a Marketplace Tax Credit
IF YOU THINK YOU WILL MAKE MORE THAN THE ALLOWED AMOUNT FOR YOUR HOUSEHOLD SIZE:
Please let us know where you stand in relation to the chart and please tell us if we need to make changes!
Now that they won't be subject to a penalty, some of Trish Freeman's clients are more open to short-term plans. The Gonzales, La., agent is selling more of them this fall, though only to those with clean health histories.
But It can more difficult to get approved these days, she said. That's because more people gained coverage under Obamacare and went to the doctor, so they are more likely to have medical issues diagnosed.
"You have to be super, super, super healthy to get through," said Freeman, who is executive vice president of Health Agents for America, an industry group.
Blue Cross is sending out notices that your premiums are going down… and for some this is true. However, for most everyone this is not 100% accurate. If you currently have a subsidy from Healthcare.gov, Blue Cross did not factor in the CHANGE in your subsidy this year. The premiums are calculated on the 2018 subsidy and what we are finding is that 2019 subsidies are going down.
When something seems too good to be true it's because it probably is.
- Wise moms everywhere
We know you trust us and hope all of you know and understand we are just looking out for you. Please, please call to schedule your appointment with us today.
Open Enrollment for Individuals starts
November 1, 2018 & ends December 15, 2018.
Here are a few things you will need to have prepared for our phone call:
- 2019 estimated household income. Make sure to include every person that is on your tax return.
- Married? As a reminder, you must file a joint tax return with your spouse.
- Does your employer or your spouse's employer offer group health insurance? If so, what is the cost for the employee only coverage?
- Have you filed your 2017 tax return? Your 2017 taxes MUST have been filed to qualify for a tax credit in 2019.
- Does your income fall between 138% and 400% of the FPL (below) according to your tax size household?
HERE ARE THE OPTIONS THIS YEAR
MARKETPLACE (ACA) PLANS
HEALTH CARE MINISTRY SHARING PLANS
ACCIDENT/CRITICAL ILLNESS GAP PLANS
SHORT TERM PLANS
HUSBAND/WIFE GROUP PLANS
DO NOT GO TO HEALTHCARE.GOV ALONE
We were able to bring our concerns and experiences dealing with the Marketplace directly to the CMS staff.
The trip to Washington also provided us with the opportunity to hear from our legislators on healthcare issues that are currently being addressed in the Senate. According to HAFA President/CEO, Ronnell Nolan, "We learned about exciting legislation from Senator Bill Cassidy to fight balance billing."
Members of the bipartisan Senate health care price transparency working group, released draft legislation to protect patients from surprise medical bills. The draft bill is intended to jumpstart discussions in Congress about how to best stop the use of balanced billing to charge patients for emergency treatment or treatment provided by an out-of-network provider at an in-network facility.
Recent examples of patients receiving surprise medical bills referenced by HAFA include a patient who received a bill of nearly $109,000 for care after a heart attack, and a patient who received a bill for $17,850 for a urine test.
The discussion draft of the Protecting Patients from Surprise Medical Bills Act addresses three scenarios:
1. Emergency services provided by an out-of-network provider in an out-of-network facility:
2. Non-Emergency services following an emergency service from an out-of-network facility:
3. Non-Emergency services performed by an out-of-network provider at an in-network facility:
I won’t bore you with all the details but I do want to ask if you have any concerns or comments regarding Healthcare.gov and the MarketPlace. Good experiences? Bad ones? I would love to hear back from you and will be happy to report any and all concerns. Believe me, I have plenty to talk about since I’ve worked through most of them with all of you, but do you have any of your own that you want me to bring to the table?
Feel free to email me, private message me, call me – whatever you’d like. Just let me know today or tomorrow because I head out on Wednesday. I can’t say it enough friends, it’s an honor and privilege to serve all of you! My life wouldn’t be the same without you!
Send me your Marketplace/Healthcare.gov comments or concerns!
I am here to make your voice heard. If there is any experience with the Marketplace that you have had, I am hoping to give a report in order to make a positive change.
If you receive one of these recorded calls claiming to be from Blue Cross and Blue Shield, there are tips you should follow:
- If you get a recorded call from a caller whom you did not authorize to call you, the call is likely fraudulent or malicious and you should hang up immediately.
- Do not respond to prompts to “press 1 to speak to the operator or get your name taken off the list,” and do not provide any personal information. If you respond, you’ll probably get more calls.
- Do not provide personal or financial information.
- It is advisable to block the numbers of the robocalls you receive from calling your cell phone, although these callers may continue to call you from other numbers or use “spoofing” technology that makes the same calls appear to come from different numbers.
Health Agents For America
Long Term Care